2 penguins walk into a bar...   Oh wait, different kind of humor huh?   Are those SL lates  your only baddies?  Income and DTI look OK to me,  credit score is in the OK range but can improve that within a year.   You need to send GWs for those SLs, maybe you can get lucky.  Yes, keep paying on time, check your revolving debt, and garden everything well.  I can see a new home in your future.

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LOL! thanks! The student loans aren't my only baddies, but I'm pretty sure I can get the others removed by the time I'm ready to buy. If everything else looks ok this is what I will strive for. It just helps to have something to work towards! 

You could do FHA with that scenario, possibly conventional depending on how the lender looks at the income/employment.

Your biggest hurdle in my opinon will be your employment even though you have been in the same field for 10 years, that 3 year unemployed break may throw up some red flags. If at all possible I would probably wait until you have 2 years of steady employment before applying, but you can speak to the lenders and or brokers in your area and get their opinions. Income is okay just a little borderline on the value of home you are seeking. The late payments will age more and should be less of an issue but once again will depend on what type of loan you are seeking and the underwriter. 

Good Luck.........